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Side-by-side

Bilt Blue vs Chase Sapphire Reserve

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless at $0/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($2,400 more in estimated value) than the Bilt Blue's. Get the Chase Sapphire Reserve first; revisit the Bilt Blue after you've earned that bonus.

FeatureBilt BlueChase Sapphire Reserve
Annual fee$0$795
Sign-up bonus$100 Bilt Cash125,000 points
Bonus value (est.)$100$2,500
Min spend to unlock bonus$0 in 0 mo$6,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltchase-ur
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • $300 annual travel credit
  • 8x on Chase Travel
  • 4x on flights & hotels booked direct
  • $500 The Edit hotel credit
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Editorial take: Chase Sapphire Reserve

Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Chase Sapphire Reserve?
The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Chase Sapphire Reserve?
The Bilt Blue has no annual fee, so the question is whether the Chase Sapphire Reserve's $795 fee is justified by its perks. If you'll use enough of the Chase Sapphire Reserve's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Bilt Blue.
Can I have both the Bilt Blue and Chase Sapphire Reserve?
Yes, since they're from different issuers (Bilt / Cardless and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Bilt Blue or the Chase Sapphire Reserve first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Chase Sapphire Reserve: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.